For Bank Relationship Managers
You see it on the account, or in a request the bank cannot write:
What You'll Spot
Directors under pressure rarely say it out loud. The numbers on the account say it for them. If you recognise any of these, it is worth a Client Healthcheck.
Merchant cash advances and short-term lenders taking repayments straight from card takings or the bank, several times a week.
A new facility lands, and most of it goes straight out to settle or service an earlier one.
VAT, PAYE or Corporation Tax falling behind because cash is going to lenders first, which then blocks mainstream refinance — including with the bank.
A business that trades well on paper, with too much of its turnover leaving every month in repayments, interest and fees.
How We Work With You
Strata is a group of seasoned professionals with backgrounds in banking, accountancy and finance. We place the facilities that sit outside the bank's appetite, and we keep you in the loop throughout.
A few minutes, subject to your bank's referral policy and your customer's consent. The illustration comes to you, not to them, so you decide how and when to raise it.
If tax arrears are in the way, we arrange a Time to Pay arrangement with HMRC through a trusted specialist partner before any lender sees the file.
We prepare integrated profit and loss, balance sheet and cashflow forecasts that show funders how the facility will be serviced, working from the figures you and the accountant already hold.
We submit a fully prepared proposal for the facilities your credit team cannot write — asset finance, invoice finance, bridging, development, refinance and complex credit — to CDFIs and specialist lenders. The lender makes the decision. The banking relationship stays with you.
Why Work With Strata
We do not offer banking services, and we do not bid for the core relationship. We place the case, keep you informed, and the customer stays a bank customer.
Our fees, any partner fees and the lender's own costs are set out separately, so a single monthly number is never hiding three invoices.
Strata is a trading style of Sterling Commercial Finance Limited, authorised and regulated by the Financial Conduct Authority (FCA reference number 733615). Not all of the services and finance Strata arranges are regulated by the FCA.
If refinance is not the answer, we say so. Some files need a restructuring or insolvency professional, and we will tell you that plainly.
Run the Client Healthcheck, or get in touch and talk it through first. No judgement, no preaching, just good honest old-fashioned common sense.
